ZIP 25404 Foreclosure, Tax-Lien & Distress Report

Scored purely from public records, 25404 (Berkeley County, West Virginia) returns a low composite of 21/100. Property-level stress concentrates in structural risk (48/100), construction/permit lag (39/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (8/100) register low. Climate and flood risk are elevated too — flood (NFIP) exposure (86/100), climate & FEMA risk (73/100). Latent structural risk is 48/100 while live distress already moving reads 2/100.

The peak-phase market in 25404 posted values that held roughly flat over the year, 2.9% off the recent peak, and 22% higher over three years, at 31/100 phase confidence. Topping markets hide individual distress behind strong averages.

Roughly 14.4% live below the poverty line. The tenure split is 59% owner-occupied to 41% rented. Households earn a median $68,897 — near the roughly $78,000 national figure. Around 26% of renters are cost-burdened. The vacancy rate is 5.2%. Educational attainment sits at 25% bachelor's-or-above. DLRadar's demographic-stress index for the area reads 29/100. The typical home is worth about $246,200 (3.3× income, relatively affordable). Population is roughly 22,809 with a median age of 37. There are about 10,352 housing units across 25404.

Overall, 25404 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. While 25404 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Because one deterministic model scores every ZIP, 25404's 21/100 can be lined up against any neighbor in Berkeley County, West Virginia or any ZIP coast to coast. Sparse data for 25404 shows as blanks, never estimates, and the score updates on every fresh public filing.

Each component behind 25404 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 21/100 roll-up. Practically, 25404 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.